If you’re an Indiana resident wondering whether you (or your family) can get free or low-cost health coverage, you’ve landed in the right place.
Every year the income limits change a little because they’re tied to the Federal Poverty Level (FPL). Below is the most up-to-date, easy-to-understand guide that thousands of Hoosiers use to figure out Indiana Medicaid eligibility – including Healthy Indiana Plan (HIP), Hoosier Healthwise, CHIP, long-term care, and everything in between.
Let’s make this simple: we’ll give you a quick checker first, then explain every program in plain English.
Quick Eligibility Checker – 2025 Indiana Medicaid Income Limits by Household Size
Here’s the one chart most families need. All numbers are monthly gross income (before taxes).
| Household Size | Children 0–18 & Pregnant Women (up to 208% FPL) | Adults 19–64 – Healthy Indiana Plan (138% FPL) | Children – CHIP (if over regular Medicaid, up to ~255% FPL) | Seniors/Disabled Long-Term Care (300% of SSI) |
| 1 | $2,613 or less | $1,733 or less | $3,200 or less | $2,901 or less |
| 2 | $3,538 or less | $2,345 or less | $4,330 or less | $2,901 (per person) |
| 3 | $4,463 or less | $2,957 or less | $5,460 or less | $2,901 |
| 4 | $5,388 or less | $3,569 or less | $6,590 or less | $2,901 |
| 5 | $6,313 or less | $4,181 or less | $7,720 or less | $2,901 |
| +1 person | add $925 | add $612 | add $1,130 | still $2,901 |
Tip: If your income is close to these numbers, apply anyway – deductions (child care, medical bills, etc.) can push you under the limit. see if you qualify for SNAP food assistance instead
Indiana Medicaid Programs Explained
Indiana has several Medicaid programs because one size doesn’t fit all:
- Hoosier Healthwise – For children 0–18 and pregnant women
- Healthy Indiana Plan (HIP) – For adults 19–64 who don’t have Medicare
- Hoosier Care Connect – For aged, blind, or disabled who don’t need nursing-home level care
- Pathways for Aging – Managed long-term care for people 60+
- Traditional Medicaid (ABD) – For seniors and disabled who need nursing homes or waivers
- CHIP (Indiana Children’s Health Insurance Program) – Bridge coverage for kids when family income is just above regular Medicaid
2025 Healthy Indiana Plan (HIP) – What Changed This Year?
HIP is Indiana’s version of Medicaid expansion and remains one of the most popular programs for working adults 19–64.
- Income limit is still 138% of FPL (see chart above)
- Most members pay a small monthly POWER Account contribution ($1–$20) – miss payments and you can move from HIP Plus (best benefits) to HIP Basic (copays)
- 2025 update: The state is watching enrollment closely, but no hard cap has been placed yet
- Maternity and newborn care are now automatically HIP Plus – no contribution required while pregnant or for baby’s first year
Many people ask: “What income qualifies for HIP in Indiana?” → If your household earns $1,733 or less per month (single) or $3,569 or less (family of 4), you’re very likely eligible.
Income Limits by Life Situation (2025 Numbers)
Children & Pregnant Women
- Babies 0–1 year and pregnant women: up to 208% FPL
- Kids 1–18: up to 158% FPL (then CHIP kicks in up to ~255%)
- No asset test, no monthly contributions for kids
Working Adults 19–64
- Healthy Indiana Plan (HIP): 0–138% FPL
- Small POWER Account payment keeps you in the better “Plus” plan
Seniors 65+ and Disabled Adults
- Long-term care (nursing home or waiver): up to $2,901/month (300% of SSI)
- Asset limit: $2,000 for individual, $3,000 for couple
- Home is usually exempt if spouse or dependent lives there
Married Couples & Spousal Protection
When one spouse needs nursing home care, the “community spouse” (the one staying home) can keep:
- Up to roughly $157,920 in assets (2025 number adjusts yearly)
- Up to $3,853.50/month in income (Minimum Monthly Maintenance Needs Allowance)
What If You’re Just Over the Income Limit? (Real Options)
A lot of families search “what if income is over Medicaid limit Indiana” – here are the honest answers:
- Qualified Income Trust (Miller Trust) – For seniors/disabled over $2,901/month
- Spend-down – Pay medical bills until you “meet” the limit (rare in Indiana)
- Marketplace subsidies – Pick up right where Medicaid leaves off (138%–400% FPL)
- CHIP for the kids – Covers children even if parents earn too much for regular Medicaid
Asset Limits & Exemptions Most People Don’t Know About
- Primary home (any value if spouse/child lives there; up to $730,000 equity if you plan to return)
- One car
- Burial plots & prepaid funeral up to reasonable amounts
- Retirement accounts (401k/IRA) usually don’t count while you’re working
Indiana Medicaid for Veterans & Active Military Families
Many veterans don’t realize VA disability payments and Aid & Attendance pensions are treated specially:
- VA pension with Aid & Attendance can actually HELP you qualify for waiver programs
- Service-connected disability payments usually don’t count as income for HIP
If you’re a veteran asking “Indiana Medicaid income limits for veterans,” talk to your county Veterans Service Officer first – many qualify at higher incomes.
How to Apply in Indiana – Step-by-Step
- Go to fssa.in.gov or call 1-800-403-0864
- Use the online prescreen tool (takes 5 minutes)
- Gather pay stubs, tax return, ID, and bills
- Submit – most applications are decided in 45 days (90 days if disability is involved)
Pregnant women and children can get presumptive eligibility the same day at many clinics.
2025 Processing Times & What to Do While You Wait
Right now Indiana is processing applications in 30–60 days on average. While you wait:
- Pregnant? Ask for presumptive eligibility – coverage starts today
- Kids sick? Many clinics will see them under emergency Medicaid
- Adults – Some community health centers offer sliding-scale care
Common Myths That Cost Hoosiers Coverage
- “I make too much money” → Deductions and the right program can still qualify you
- “Medicaid will take my house” → Not true if spouse, minor child, or disabled child lives there
- “I have to spend everything first” → Spousal protections are generous
Indiana Medicaid vs. Marketplace Plans – Side-by-Side Cost Comparison
| Income (family of 4) | Medicaid/HIP | Marketplace Silver Plan (after subsidy) |
| $0 – $42,828 | $0 premium | $0–$50/month (but higher copays/deductibles) |
| $42,829 – $80,000 | Ineligible | $50–$300/month (great coverage) |
Sometimes the Marketplace plan is actually cheaper overall – run both options!
Frequently Asked Questions
What is the income limit for Medicaid in Indiana 2025?
→ Depends on your situation – see the chart at the top.
What are Indiana Medicaid income limits for children?
→ Up to 208% FPL for babies/pregnant, 158% for kids 1–18, then CHIP to ~255%.
How much income to qualify for nursing home Medicaid in Indiana?
→ $2,901/month with $2,000 in assets (spousal rules apply).
Can I have a Miller Trust in Indiana for Medicaid?
→ Yes – very common for seniors a little over the limit.
Does Indiana have Medicaid estate recovery?
→ Yes, but your home is protected for spouse or dependent children.
Next Steps for You
- Use the chart above – if you’re under the number for your household size, you’re probably eligible.
- Run the official prescreener: https://fssabenefits.in.gov
- Need help? Call 1-800-403-0864 (free) or your local Area Agency on Aging.
- Not sure about other benefits? Check your full eligibility at SnapUSDA.com
This guide is updated every year when the new Federal Poverty Levels come out. Bookmark it and check back – we’ll keep it current so you always know where you stand.
